FAQs on ONB Mobile Deposit

How do I enroll in ONB Mobile Deposit?

ONB Mobile Deposit is a feature included in the ONB Mobile Banking App. You are automatically enrolled into ONB Mobile Deposit.

What happens when I submit a check image via ONB Mobile Deposit?

Once you submit the check image, the deposit is temporarily posted to your account (memo-posted). Upon receipt of the digital image, ONB will review the image for acceptability. After the file is accepted* by ONB, the check image is sent into the payment processing system (hard-posted) for collection. Items sent for processing are subject to the normal payment system requirements and subject to funds available in the account the check was issued. Acceptance by ONB does not guaranty that the item is collectible.

* ONB reserves the right to reject any deposit within two business days after the item is submitted via ONB Mobile Deposit. 

What does ONB mean that “I will endorse the back of the original check” ?

In order for ONB to retrieve funds regarding a physical check from another bank on your behalf, your approval is needed. This approval is made when you sign the back of the check, which is the act of endorsement. Prior to capturing the images of the original check, you are asked to complete the following steps in the Endorsement section on the back of the check:

  • Write the Account Number you want the funds deposited. This should match the account that you choose in the ONB Mobile Deposit feature of our App.
  • Write the current Date, which will correspond to the Date the image was captured and submitted.
  • Write the words “via ONB Mobile Deposit”.
  • Sign the check.

Why will my check not save in ONB Mobile Deposit?

A check may not be processed for a variety of reasons, and you may be prompted to retake a snapshot of the check. Reasons for instruction to retake photo may include the following; these error messages display to you on your Smart Phone:

  • Can’t read check. Please retake photo. Have steady hands, good lighting and four check corners visible.
  • This check has already been submitted. We cannot accept it again.
  • Blurred image. Please retake photo. Hold camera steady and possibly also a bit farther away
  • Cannot find check in the image. Please retake. Ensure focus and four corners visible.
  • Check picture is too small. Please retake. Move closer; ensure focus and four corners visible.
  • Please retake photo with good lighting. Ensure focus and four corners visible.
  • Low contrast detected. Please retake with darker background. Ensure focus and four corners visible.
  • Significant rotation detected. Please retake photo. Keep check upright and four corners visible.
  • Large angle detected. Please retake photo. Hold phone flat above check and four corners visible.
  • It appears you submitted 2 images of front of check. Please retake both front and rear photos.
  • One or more Check 21 tests failed. Please retake photo; focused, well lit, all 4 corners visible.
  • Could not find endorsement on back of check make sure check is endorsed! Retake photo.
  • Cannot read acct data on bottom of check. Please rotate. Ensure focus and all four corners are visible.
  • The amount you entered did not match the amount detected. Ensure entered amount is correct.

How long should I keep the Original Check after I have submitted it via ONB Mobile Deposit?

Banking regulations require ONB to have access to the original check for a period of up to 45 days after transmission and final credit is made to your account. Please retain the original check for this period and then destroy the check in a manner that will assure that the check cannot be reconstituted.

Are they any types of deposit items that I am not permitted to deposit via ONB Mobile Deposit?

Due to banking regulations, there are situations where depositing an item through this mobile medium is not allowed. The following are examples:

  • Any item drawn on my account or my affiliate’s account.
  • Any item that is stamped with a “non-negotiable” watermark.
  • Any item that contains evidence of alteration to the information on the check.
  • Any item issued by a financial institution in a foreign country.
  • Any item that is incomplete.
  • Any item that is “stale dated” or “post dated.”
  • Any third party check, i.e., any item that is made payable to another party and then endorsed to me by such party.
  • Savings Bonds

Is there a charge for this service?

No!  This is a free service.